1. Introduction These Terms and Conditions (the "Agreement") apply to the purchase and use of digital content (eBook) or physical book sold by Golden Years Guide (DBA name) through our website. Legal company name "UAB payments protocol", company code 306102659, established under the laws of Lithuania. Company email: emily@goldenyears.guide . By purchasing our book , you agree to be bound by these terms. Please read them carefully.

2. License Grant Upon purchase, Golden Years Guide grants you a limited, non-exclusive, non-transferable license to access, view, and download the eBook. This license is for personal, non-commercial use only. You may not distribute, sell, share, or otherwise use the eBook for any commercial purpose without prior written consent from Golden Years Guide.

3. Payment and Transactions All transactions are processed through third-party payment processors, such as PayPal or Stripe. Prices for the eBook are displayed in USD and may be subject to applicable taxes or fees based on your location. Payments must be made in full at the time of purchase. By submitting your payment information, you authorize Golden Years Guide to charge your selected payment method for the purchase amount.

4. Refund Policy Due to the nature of personalized book, all sales are final. We do not offer refunds, exchanges, or cancellations once the purchase is completed. If you experience issues with the eBook file, please contact our support team via email emily@goldenyears.guide within 14 days of purchase, and we will assist you in resolving the issue.

5. Intellectual Property Rights All content in the book, including but not limited to text, graphics, images, logos, and software, is protected by copyright and intellectual property laws. You may not reproduce, modify, distribute, or display any portion of the eBook without explicit permission from [Your Company Name]. Any unauthorized use of the content may result in legal action.

6. Restrictions on Use You agree not to:

• Copy, modify, or create derivative works based on the book.

• Use the book for commercial purposes without prior written consent from Golden Years Guide.

• Distribute, sell, or share the book to third parties.

7. Disclaimers and Limitation of Liability The Book is provided "as is" and without warranties of any kind, either express or implied. Golden Years Guide does not guarantee that the book will be free from errors or interruptions. We are not responsible for any indirect, incidental, special, or consequential damages arising from the use of the book, including any loss of data or profits.

8. Governing Law and Jurisdiction These Terms and Conditions are governed by and construed in accordance with the laws of Lithuania. Any disputes arising from or related to these Terms shall be resolved exclusively in the courts of Lithuania.

9. Changes to Terms and Conditions Golden Years Guide reserves the right to modify or update these Terms at any time. Any changes will be posted on the website, and the revised Terms will apply to all subsequent purchases. You are encouraged to review these Terms regularly.

10. Contact Information For any questions or concerns regarding these Terms and Conditions, please contact us at emily@goldenyears.guide .